When a 30-year-old male insurant dies and applies for life insurance of 10million won, 

(1) What is the net lump sum premium? 

(2) How much is the average net premium paid annually? 

(3) When the insurance premium payment period is 3 years limited payment (annual payment), what is the average net insurance premium paid annually? 

(4) If you pay a lump sum premium, please use the past method to calculate the liability reserve at the end of the 4th insurance year. 

(5) For those who have paid the average net premium in the previous period, please use the past method to calculate the liability reserve at the end of the fourth insurance year. 

(6) If the average pure premium is paid in 3 years of limited payment, please use the past method to calculate the liability reserve at the end of the 4th insurance year?